1. Acceptance
These Terms of Service (“Terms”) form a binding agreement between you and IMARKETINGURU, LLC, a New Jersey limited-liability company located at 27 E Madison Ave, Florham Park, NJ 07932 (“IMARKETINGURU,” “we,” “us”). By using imarketinguru.com or any IMARKETINGURU-operated website, product, or brand (including Rate Guardian, Trade Guardian, Guardian Family, Project Guardian, Home Guardian, Content Guardian, Success Addicts Collective, and the Loan Doctor Podcast — collectively, the “Services”), you accept these Terms.
2. Eligibility
You must be at least 18 years old and able to form a binding contract under U.S. law to use the Services.
3. What we are — and what we are not
IMARKETINGURU, LLC is a holding and marketing company that operates AI-native consumer brands. IMARKETINGURU, LLC is not a mortgage lender, mortgage broker, registered investment adviser, broker-dealer, insurance producer, attorney, accountant, or tax professional. Information on the Services is for general educational and marketing purposes only and is not legal, tax, financial, investment, or mortgage advice.
Where the Services connect you to a licensed professional (for example, Sean Shallis in his capacity as a licensed mortgage loan originator at U.S. Bank, N.A.), that licensed professional — not IMARKETINGURU — provides the regulated service, and that professional’s separate disclosures, agreements, and applicable law govern the regulated transaction.
4. Acceptable use
You agree not to:
- Use the Services to violate any law or third-party right.
- Submit false, misleading, or other people’s information.
- Attempt to access systems or data you are not authorized to access.
- Reverse-engineer, scrape at scale, or interfere with the Services.
- Use the Services to send spam, malware, or harassing content.
5. User content & feedback
If you submit content (form submissions, replies, reviews, podcast questions, etc.), you grant IMARKETINGURU a non-exclusive, royalty-free, worldwide license to use that content to provide and promote the Services. You represent that you have the right to grant that license. Feedback you give us is non-confidential and may be used freely.
6. Intellectual property
The Services, including all software, design, text, graphics, audio, video, and trademarks (including “Rate Guardian,” “Trade Guardian,” “Guardian Family,” “Project Guardian,” “Home Guardian,” “Content Guardian,” “Success Addicts Collective,” “Loan Doctor Podcast,” and the Guardian family of marks), are owned by IMARKETINGURU, LLC or its licensors and are protected by U.S. and foreign IP law. You receive a personal, non-transferable, revocable license to access and use the Services for their intended purpose. All other rights are reserved.
7. Third-party services and links
The Services may link to or integrate third-party services (e.g., Twilio for SMS, Stripe for payments, calendar booking, U.S. Bank for mortgage origination, podcast hosts, analytics). We are not responsible for third-party services. Your use of them is governed by their terms.
8. Communications consent
By providing your contact information, you consent to receive communications from IMARKETINGURU as described in our Privacy Policy and SMS Consent & Opt-In Disclosure. SMS marketing requires separate, express consent and you can opt out at any time by replying STOP.
9. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, IMARKETINGURU DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF CONTENT. We do not guarantee specific outcomes from any product, including any Guardian product, podcast, or strategy described on the Services.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IMARKETINGURU AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICES. IMARKETINGURU’S TOTAL AGGREGATE LIABILITY WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). Some jurisdictions do not permit certain of these limitations; in those jurisdictions, our liability is limited to the smallest extent permitted.
11. Indemnification
You agree to indemnify and hold IMARKETINGURU harmless from any claim, loss, or expense (including reasonable attorneys’ fees) arising from (a) your use of the Services, (b) your breach of these Terms, or (c) your violation of any law or third-party right.
12. Termination
We may suspend or terminate your access to the Services at any time, with or without cause. Sections 5–14 survive termination.
13. Governing law and dispute resolution
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-laws rules. Any dispute will be brought exclusively in the state or federal courts located in Morris County, New Jersey, and you consent to that jurisdiction.
14. Miscellaneous
These Terms (together with the Privacy Policy and SMS Disclosure) are the entire agreement between you and IMARKETINGURU regarding the Services. If any provision is unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a corporate transaction.
15. Contact
IMARKETINGURU, LLC
27 E Madison Ave, Florham Park, NJ 07932
sean@imarketinguru.com